The Change Account is a transactional account, designed to simplify your finances.

What is the Change Account? The Change Account has a dedicated Sort Code and Account Number and, a Prepaid Debit MasterCard®. It offers many
payment features, such as Faster Payments and Direct Debits as well as innovative budgeting tools to make it easier for you to manage your money.

How does it work? The Change Account has two main features: Your Change Account includes a Card account which you can access with your Card when
withdrawing cash and making Card purchases, and which you can manage online or through your mobile app. Your Change Account also has Change Account Wallets
which are secure budgeting tools.

What does it cost? For every feature on Your Change Account there is always a cost to us which is why there are costs associated with The Change Account. You only pay for the features you use; your finances will never have to subsidise other customers. For a full list click here

What is a Wallet? A Change Account Wallet is a secure budgeting tool which helps you manage your money and takes the stress out of bill payments. You are
able to set up two Change Account Wallets initially. Try to think of them as two mini accounts alongside Your Card account which you can only access online or through
your mobile app.

How is the Change Account similar to a Bank Account? The Change Account has many of the benefits of a bank account, such as: Direct Debits,
Faster Payments and BACS Credits, A Prepaid Debit Chip and PIN Card which can be used in store, online and at ATMs worldwide*, Its own dedicated Sort Code and
Account Number, You can access and manage Your Change Account online and via your mobile app, Secure Login and Registration.

Who can apply? There are no credit checks required to apply for The Change Account but you need to be 18 years old or over and a resident in the UK.

LINCOLNSHIRE CREDIT UNION LTD (COMPANY NO. 659C) IS AUTHORISED BY THE PRUDENTIAL REGULATION AUTHORITY AND REGULATED BY THE FINANCIAL CONDUCT AUTHORITY AND THE PRUDENTIAL REGULATION AUTHORITY (FIRM NO. 213763). WE ARE MEMBERS OF THE FINANCIAL SERVICES COMPENSATION SCHEME, THE FINANCIAL OMBUDSMAN SERVICE AND ABCUL. REGISTERED OFFICE: CITY HALL, BEAUMONT FEE, LINCOLN, LN1 1DD.